| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| AON CONSULTING INC3 Filed as: AON CONSULTING | 1001 BRICKELL BAY DRIVE MIAMI, FL 33131 | LIFE INSURANCE COMPANY OF NORTH AMERICA | $6K | — | $6K | 3.78% |
| AON CONSULTING INC3 | 29840 NETWORK PLACE CHICAGO, IL 606731298 | METROPOLITAN LIFE INSURANCE COMPANY | — | $79 | $79 | 0.21% |
| AON CONSULTING INC3 Filed as: AON CONSULTING, INC | 29840 NETWORK PLACE CHICAGO, IL 606731298 | ALLSTATE BENEFITS | $3K | — | $3K | 9.16% |
| CUNDY, INC.3 Filed as: CUNDY INC | PO BOX 24080 FORT LAUDERDALE, FL 33307 | ALLSTATE BENEFITS | $927 | — | $927 | 2.46% |
| AON CONSULTING INC3 Filed as: AON CONSULTING | PO BOX 905494 CHARLOTTE, NC 282905494 | UNUM LIFE INSURANCE COMPANY OF NORTH AMERICA | $4K | — | $4K | 14.93% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 982 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 56 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 1,038 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Vision | METROPOLITAN LIFE INSURANCE COMPANY | 0 | $38K |
| Life insurance | LIFE INSURANCE COMPANY OF NORTH AMERICA | 812 | $335K |
| Short-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 653 | $159K |
| Long-term disability | LIFE INSURANCE COMPANY OF NORTH AMERICA | 264 | $373K |
| Other(3 contracts, 3 carriers) | ALLSTATE BENEFITS | 653 | $94K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 812 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
The primary carrier changed from prior filing. The plan is already willing to move; opportunity to re-pitch on the next cycle.